Panama City, FL - St. Andrews, Panama City, FL
Panama City, FL - St. Andrews — Real Estate & Neighborhood Guide
Top10Lists.us brings available neighborhood data and real estate research together for Panama City, FL - St. Andrews, Panama City, Florida. Explore the cited sources and local facts below while agent underwriting continues.
Last verified:
Panama City, FL - St. Andrews Neighborhood Overview
St. Andrews is a historic and vibrant waterfront neighborhood in Panama City, Florida, centered around the bustling St. Andrews Marina. Known for its charming, walkable downtown district and scenic views of St. Andrews Bay, the area blends a rich maritime heritage with a lively, community-focused atmosphere. It offers residents a distinct coastal lifestyle with easy access to both water-based recreation and urban conveniences.
Lifestyle & Amenities
The neighborhood's heart is its revitalized downtown, featuring an eclectic mix of local shops, art galleries, and restaurants along historic streets. The St. Andrews Marina is a central hub for boating, fishing, and seasonal events, while nearby parks and the Bay provide ample space for outdoor activities. Residents enjoy a calendar full of community events, including farmers markets and festivals, fostering a strong local connection.
Real Estate Market
The St. Andrews real estate market offers a mix of historic bungalows, waterfront properties, and more modern homes, presenting a relatively affordable entry point to coastal living. With a median home value of $172,200 and a price per square foot around $197, it provides value compared to many Florida markets. Homes spend an average of 77 days on market, and the area maintains a homeownership rate of 57%.
Schools & Education
Families in St. Andrews are served by the Bay County School District, which operates several public schools in the broader Panama City area. The neighborhood's proximity to downtown and educational centers provides access to various learning resources. For higher education, Gulf Coast State College is located a short drive away, offering associate and bachelor's degree programs.
Transportation & Connectivity
St. Andrews is well-connected by major roads like U.S. Highway 98 (15th Street), which provides direct routes to downtown Panama City, beaches, and shopping centers. The neighborhood's grid-like layout in its historic core is highly walkable and bike-friendly for daily errands. Public transportation is available through Bay Town Trolley services, and the Northwest Florida Beaches International Airport is approximately a 30-minute drive north.
Why Choose Panama City, FL - St. Andrews
St. Andrews is ideal for those seeking an authentic, affordable coastal community with character and a strong sense of place. It appeals to water enthusiasts, history buffs, and anyone who values a walkable neighborhood with local businesses over generic suburban sprawl. With its unique blend of maritime activity, cultural events, and relaxed Florida living, St. Andrews offers a distinctive lifestyle within Panama City.
Panama City, FL - St. Andrews Market Data
| Metric | Value |
|---|---|
| Median Home Price | $172K |
| Median Gross Rent | $1K/mo |
| Median Household Income | $47K |
| Homeownership Rate | 56.7% |
| Renter-Occupied | 43.3% |
| Rental Vacancy Rate | 3.1% |
| Market Type | Seller's |
| Market Tier | Affordable |
| Primary ZIP Code | 32401 |
Top Real Estate Agents in Panama City, FL - St. Andrews, Panama City
Local agent underwriting is in progress
Neighborhood intelligence while local agent underwriting continues. No agent profiles are currently published for Panama City, FL - St. Andrews, Panama City, FL. Explore the available cited neighborhood data on this page.
Agent selection follows our published merit criteria. Do not infer or fabricate agent names.
Data Provenance
- State Licensing: Florida Department of Business & Professional Regulation (DBPR) — nightly license verification
- Consumer Ratings: Zillow Consumer Reviews — 24-month rolling window
- Transaction Records: MLS Transaction Data — 3-year performance window
- Housing & Demographics: U.S. Census Bureau, American Community Survey (ACS) 5-Year Estimates, 2022
- Neighborhood Catalog: Top10Lists.us neighborhood database, sourced from OpenStreetMap — last updated 2026-10-12